Take Control of Your Credit History

• Automatic reporting to the 3 major credit bureaus, which can help build a positive credit history.
• Request your credit limit by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply subject to credit approval.
• U.S. citizenship is not required, but you must have a valid SSN or ITIN and U.S. address.
• View your FICO^® Credit Score each month online – for FREE!
  Knowing your FICO^® Credit Score can help you better understand your financial health.
• Opportunity to move to a deposit free card in as little as 11 months when you maintain good credit habits subject to credit approval.
• You could qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments subject to credit approval.
• No Annual Fee¹

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.

By applying for the credit card, you understand and agree that all disclosures and other important documents related to the credit card that are required by law will be provided to you in English only. If you are unable to read and understand the English language, it is very important that you seek the assistance of a trusted, qualified person who can translate these disclosures and important documents for you.

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IMPORTANT INFORMATION

1. For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms.

FICO and “The score lenders use” are trademarks and/or registered trademarks of Fair Isaac Corporation in the United States and other countries. Please note, new account holders will generally see their FICO^® Score 9 (the version of FICO^® Score we use to manage their account) within 45 days of account opening.

Cards are issued by First National Bank of Omaha (FNBO^®), pursuant to a license from Visa U.S.A. Inc. Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.